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$395,000

Welcome to an extraordinary opportunity inside the prestigious gated waterfront community of Finnisterre -- one of Bay County's most exclusive luxury neighborhoods. Situated along the sparkling waters of St. Andrews Bay, this rare waterfront homesite at 3303 Terra Cotta offers a breathtaking setting to build a true coastal masterpiece. Surrounded by elegant custom homes, lush tropical landscaping, and winding private streets, Finnisterre is renowned for its upscale atmosphere, stunning architecture, and unmatched waterfront lifestyle. Residents enjoy beautifully maintained common areas, a private and peaceful setting, and a sense of luxury that is immediately felt the moment you enter the neighborhood. These exceptional lots feature expansive water views and a unique peninsula-style setting that creates an incredible sense of privacy and exclusivity. Boaters will appreciate the prime location just minutes from the Pass, providing quick and convenient access from St. Andrews Bay directly to the Gulf of America for world-class fishing, boating, waterfront dining, and endless days on the water. Whether you envision a luxury coastal estate with panoramic bay views, a private retreat surrounded by nature, or the ultimate entertaining property, this homesite offers a rare combination of beauty, location, and lifestyle that is becoming increasingly difficult to find along the Emerald Coast. Enjoy the perfect blend of tranquility and convenience while remaining close to premier marinas, golf courses, shopping, dining, and the white sand beaches that make Northwest Florida famous. Luxury waterfront opportunities like this in Finnisterre are exceptionally rare.

789572 MLS

Welcome to an extraordinary opportunity inside the prestigious gated waterfront community of Finnisterre -- one of Bay County's most exclusive luxury neighborhoods. Situated along the sparkling waters of St. Andrews Bay, this rare waterfront homesite at 3303 Terra Cotta offers a breathtaking setting to build a true coastal masterpiece. Surrounded by elegant custom homes, lush tropical landscaping, and winding private streets, Finnisterre is renowned for its upscale atmosphere, stunning architecture, and unmatched waterfront lifestyle. Residents enjoy beautifully maintained common areas, a private and peaceful setting, and a sense of luxury that is immediately felt the moment you enter the neighborhood. These exceptional lots feature expansive water views and a unique peninsula-style setting that creates an incredible sense of privacy and exclusivity. Boaters will appreciate the prime location just minutes from the Pass, providing quick and convenient access from St. Andrews Bay directly to the Gulf of America for world-class fishing, boating, waterfront dining, and endless days on the water. Whether you envision a luxury coastal estate with panoramic bay views, a private retreat surrounded by nature, or the ultimate entertaining property, this homesite offers a rare combination of beauty, location, and lifestyle that is becoming increasingly difficult to find along the Emerald Coast. Enjoy the perfect blend of tranquility and convenience while remaining close to premier marinas, golf courses, shopping, dining, and the white sand beaches that make Northwest Florida famous. Luxury waterfront opportunities like this in Finnisterre are exceptionally rare.

3303 Terra Cotta Drive, Panama City

Listing courtesy of Counts Real Estate Group.

$550,000

Waterfront living meets peace of mind in this rare solid block construction home featuring a brand new private dock, boat ramp, deep water access, and a solar system to be paid in full at closing. Offering the space, waterfront access, and major upgrades buyers expect from a coastal property, this move-in ready home delivers exceptional value without compromise. Built to last and designed for true waterfront living, this property proved its durability as the only home on the street to withstand Hurricane Michael--even nearby million-dollar stilt homes just a few doors down required extensive repairs, while this home needed none. Enjoy direct boating access from your brand new private dock and boat ramp, making fishing, boating, and sunset cruises part of everyday life. The large lot provides plenty of room to spread out and includes two oversized powered storage sheds/workshops, ideal for hobbies, equipment, storage, or workspace. Major improvements have already been completed, including new windows, HVAC system, driveway, and a solar system that will be paid off by seller at closing, allowing future owners to enjoy energy savings without assuming a solar loan. Connected to city water and sewer for added convenience. A standout feature is the elevated concrete carport/breezeway that stays dry and doubles as a shaded outdoor living area, complete with double entry doors that create an open-air space perfect for relaxing and enjoying summer breezes. This is a unique opportunity to own a well-built, upgraded waterfront property offering both functionality and lifestyle.

3 Beds ⋅ 2 Baths ⋅ 789560 MLS

Waterfront living meets peace of mind in this rare solid block construction home featuring a brand new private dock, boat ramp, deep water access, and a solar system to be paid in full at closing. Offering the space, waterfront access, and major upgrades buyers expect from a coastal property, this move-in ready home delivers exceptional value without compromise. Built to last and designed for true waterfront living, this property proved its durability as the only home on the street to withstand Hurricane Michael--even nearby million-dollar stilt homes just a few doors down required extensive repairs, while this home needed none. Enjoy direct boating access from your brand new private dock and boat ramp, making fishing, boating, and sunset cruises part of everyday life. The large lot provides plenty of room to spread out and includes two oversized powered storage sheds/workshops, ideal for hobbies, equipment, storage, or workspace. Major improvements have already been completed, including new windows, HVAC system, driveway, and a solar system that will be paid off by seller at closing, allowing future owners to enjoy energy savings without assuming a solar loan. Connected to city water and sewer for added convenience. A standout feature is the elevated concrete carport/breezeway that stays dry and doubles as a shaded outdoor living area, complete with double entry doors that create an open-air space perfect for relaxing and enjoying summer breezes. This is a unique opportunity to own a well-built, upgraded waterfront property offering both functionality and lifestyle.

1538 S Berthe Avenue, Panama City

Listing courtesy of Think Real Estate.

$719,900

WATERFRONT at it's finest***A Boater's Dream! Nestled on nearly an acre of beautifully positioned waterfront property, this stunning 4-bedroom, 3-bathroom all-brick home offers the perfect blend of modern elegance, comfort, and coastal living. With direct Gulf access via Dotty Bayou (East Lake), you'll enjoy effortless boating access to East Bay and the Gulf of America right from your backyard. Step inside to discover upscale finishes throughout, including sleek slate tile flooring, soaring high ceilings, and a grand entryway that immediately sets the tone for this impressive residence. Designed with entertaining in mind, the massive open-concept living area creates the perfect setting for hosting family and friends while still offering a warm and inviting atmosphere for everyday living. Relax and unwind each evening on the expansive 10' x 50' fully screened patio, where you can take in breathtaking waterfront sunsets and peaceful bay views year-round. Conveniently located near Tyndall Air Force Base, this home offers both luxury and accessibility in one exceptional package. With its prime waterfront location, generous lot size, timeless finishes, and incredible value, this may very well be one of the best-priced waterfront properties currently on the market. Don't miss your opportunity to own a slice of Florida paradise!

4 Beds ⋅ 3 Baths ⋅ 789535 MLS

WATERFRONT at it's finest***A Boater's Dream! Nestled on nearly an acre of beautifully positioned waterfront property, this stunning 4-bedroom, 3-bathroom all-brick home offers the perfect blend of modern elegance, comfort, and coastal living. With direct Gulf access via Dotty Bayou (East Lake), you'll enjoy effortless boating access to East Bay and the Gulf of America right from your backyard. Step inside to discover upscale finishes throughout, including sleek slate tile flooring, soaring high ceilings, and a grand entryway that immediately sets the tone for this impressive residence. Designed with entertaining in mind, the massive open-concept living area creates the perfect setting for hosting family and friends while still offering a warm and inviting atmosphere for everyday living. Relax and unwind each evening on the expansive 10' x 50' fully screened patio, where you can take in breathtaking waterfront sunsets and peaceful bay views year-round. Conveniently located near Tyndall Air Force Base, this home offers both luxury and accessibility in one exceptional package. With its prime waterfront location, generous lot size, timeless finishes, and incredible value, this may very well be one of the best-priced waterfront properties currently on the market. Don't miss your opportunity to own a slice of Florida paradise!

1400 W Park Lane, Panama City

Listing courtesy of Keller Williams Success Realty.

$775,000

Gorgeous waterfront home that's as close to paradise as you can get. As you enter through your private security gate fresh beautiful landscaping abounds with breathtaking views of the deep waters of Cook Bayou and East Bay. Along with the views is your own private salt water pool that adds a spa like serenity to this little piece of paradise. Entering the home, you will immediately notice the bright open floor plan of the living room, kitchen and dining area. The soft wall colors, natural light and beautiful tongue in groove ceilings create a relaxing environment that makes this cozy home feel comfortable and inviting. Prepare your meals in the beautiful, as well as functional kitchen while admiring your waterfront view. The large primary bedroom has sliding glass doors that lead out to the balcony and screened in porch that overlooks the bay and pool. The primary bathroom will take your breath away with its spa like feel, with glass walls, double vanity, and tiled shower. On the way to the dock, you will find the recently added 12,000 gallon salt water heated pool with water feature and LED lights. Continue down the composite wood dock to find the covered boat lift with electric motors and a newly installed jet ski lift. Imagine ending your day relaxing on the custom-built bench at the end of the dock watching the dolphins play and birds feed as the sun sets and delivers an unimagined beauty. Every upgrade in this home was carefully thought out and designed for efficiency, functionality, and energy savings from the seamed metal roof to the Bosch air conditioning system. Large oversized work shop with electricity and a lean-to on both sides is great for the hobbyist or craft enthusiast. If you're looking for beautiful property that provides amazing access to water sports and some of the most stunning sunsets around, then you have found it.

2 Beds ⋅ 2 Baths ⋅ 789470 MLS

Gorgeous waterfront home that's as close to paradise as you can get. As you enter through your private security gate fresh beautiful landscaping abounds with breathtaking views of the deep waters of Cook Bayou and East Bay. Along with the views is your own private salt water pool that adds a spa like serenity to this little piece of paradise. Entering the home, you will immediately notice the bright open floor plan of the living room, kitchen and dining area. The soft wall colors, natural light and beautiful tongue in groove ceilings create a relaxing environment that makes this cozy home feel comfortable and inviting. Prepare your meals in the beautiful, as well as functional kitchen while admiring your waterfront view. The large primary bedroom has sliding glass doors that lead out to the balcony and screened in porch that overlooks the bay and pool. The primary bathroom will take your breath away with its spa like feel, with glass walls, double vanity, and tiled shower. On the way to the dock, you will find the recently added 12,000 gallon salt water heated pool with water feature and LED lights. Continue down the composite wood dock to find the covered boat lift with electric motors and a newly installed jet ski lift. Imagine ending your day relaxing on the custom-built bench at the end of the dock watching the dolphins play and birds feed as the sun sets and delivers an unimagined beauty. Every upgrade in this home was carefully thought out and designed for efficiency, functionality, and energy savings from the seamed metal roof to the Bosch air conditioning system. Large oversized work shop with electricity and a lean-to on both sides is great for the hobbyist or craft enthusiast. If you're looking for beautiful property that provides amazing access to water sports and some of the most stunning sunsets around, then you have found it.

11535 Poston Road, Panama City

Listing courtesy of 30A Local Real Estate.

$695,000

WATERFRONT! Now is the time to build your dream home on beautiful Beach Dr. Enjoy stunning views of St, Andrews Bay. Centrally located so you can walk or bike to either Historic St Andrews or Historic Downtown Panama City. Drive by and see where you will be building your next home.

789162 MLS

WATERFRONT! Now is the time to build your dream home on beautiful Beach Dr. Enjoy stunning views of St, Andrews Bay. Centrally located so you can walk or bike to either Historic St Andrews or Historic Downtown Panama City. Drive by and see where you will be building your next home.

1248 W Beach Drive, Panama City

Listing courtesy of Hitchcock Real Estate LLC.

$620,000

DEEP WATER PARADISE!!! Welcome to the ULTIMATE coastal retreat where breathtaking views and endless water access come together in one unforgettable property! Nestled at the end of a quiet dead end street, this private oasis offers peace, serenity, and direct access to some of the worlds most sought after waterways. Live here go ANYWHERE! Boating enthusiasts will fall in love with the deep water access( 8-10 feet apx) and two equipped docks including a boat lift ready for your large boat. With ample space for jet skis and and additional water craft, plus a davit system perfect for lifting a skiff. The dock is designed to accommodate vessels up to 48 feet, making it ideal for serious boaters. The main residence features a spacious 3 bedroom, 2 bath layout with a dedicated office, while a separate guest house provides the perfect potential setup for entertaining or private guest quarters. Expansive porches and multiple decks invite you to relax, unwind, and soak in the stunning surroundings. Enjoy arguably the most spectacular views in town. From your own backyard explore Callaway Bayou, East Bay the Intracoastal Waterway, and the Gulf of America. From your boat dock the St. Andrews Pass is approximately 6 miles or a 20 minute boat ride. This is more than a home it is taking full advantage of living on the coast with a lifestyle where everyday is a vacation. Request your private tour today. ///// ALL MEASUREMENTS AND DEPTHS ARE APPROXIMATE AND SHOULD BE VERIFIED BY PERSONS OF INTEREST.

4 Beds ⋅ 3 Baths ⋅ 789098 MLS

DEEP WATER PARADISE!!! Welcome to the ULTIMATE coastal retreat where breathtaking views and endless water access come together in one unforgettable property! Nestled at the end of a quiet dead end street, this private oasis offers peace, serenity, and direct access to some of the worlds most sought after waterways. Live here go ANYWHERE! Boating enthusiasts will fall in love with the deep water access( 8-10 feet apx) and two equipped docks including a boat lift ready for your large boat. With ample space for jet skis and and additional water craft, plus a davit system perfect for lifting a skiff. The dock is designed to accommodate vessels up to 48 feet, making it ideal for serious boaters. The main residence features a spacious 3 bedroom, 2 bath layout with a dedicated office, while a separate guest house provides the perfect potential setup for entertaining or private guest quarters. Expansive porches and multiple decks invite you to relax, unwind, and soak in the stunning surroundings. Enjoy arguably the most spectacular views in town. From your own backyard explore Callaway Bayou, East Bay the Intracoastal Waterway, and the Gulf of America. From your boat dock the St. Andrews Pass is approximately 6 miles or a 20 minute boat ride. This is more than a home it is taking full advantage of living on the coast with a lifestyle where everyday is a vacation. Request your private tour today. ///// ALL MEASUREMENTS AND DEPTHS ARE APPROXIMATE AND SHOULD BE VERIFIED BY PERSONS OF INTEREST.

7111 Winona Street, Panama City

Listing courtesy of CENTURY 21 Commander Realty.

$1,991,100

To be built the Solera, with AR Homes, a thoughtfully designed luxury residence offering over 4,300 square feet of refined living space, perfectly suited for a premier waterfront homesite. This two-story plan features 4 bedrooms, 4 full baths, a powder room, and a 3-car garage, blending elegant architecture with modern functionality. The main level is designed for both everyday living and entertaining, highlighted by a grand two-story foyer and a light-filled great room with soaring ceilings and expansive walls of glass that seamlessly connect indoor and outdoor living. The open-concept kitchen and dining area flow effortlessly to a spacious lanai, creating the ideal setting to capture water views and coastal breezes. A private owner's suite on the first floor offers a true retreat, complete with a spa-inspired bath and a secluded wing for added privacy. Additional main-level features include a den or office and a versatile bonus room, perfect for a media space or entertaining lounge. Upstairs, a generous loft with optional wet bar and access to a covered balcony provides an elevated gathering space overlooking the main living areas. Three additional bedrooms each offer comfort and privacy for family or guests. Designed with waterfront living in mind, the Solera's expansive outdoor living areas can be customized to include a pool, outdoor kitchen, and cabana, creating a seamless extension of the home's luxurious interior. This is a rare opportunity to build a fully customized coastal dream home, combining sophisticated design, flexible spaces, and exceptional indoor-outdoor living in a prime waterfront setting. -No fill dirt, clearing, additional foundation or lot preparation is included. It's an additional expense. Pool/outdoor living and outdoor kitchen are optional, and they're not included in the base price. The sale of the lot is a separate transaction.

4 Beds ⋅ 3 Baths ⋅ 788875 MLS

To be built the Solera, with AR Homes, a thoughtfully designed luxury residence offering over 4,300 square feet of refined living space, perfectly suited for a premier waterfront homesite. This two-story plan features 4 bedrooms, 4 full baths, a powder room, and a 3-car garage, blending elegant architecture with modern functionality. The main level is designed for both everyday living and entertaining, highlighted by a grand two-story foyer and a light-filled great room with soaring ceilings and expansive walls of glass that seamlessly connect indoor and outdoor living. The open-concept kitchen and dining area flow effortlessly to a spacious lanai, creating the ideal setting to capture water views and coastal breezes. A private owner's suite on the first floor offers a true retreat, complete with a spa-inspired bath and a secluded wing for added privacy. Additional main-level features include a den or office and a versatile bonus room, perfect for a media space or entertaining lounge. Upstairs, a generous loft with optional wet bar and access to a covered balcony provides an elevated gathering space overlooking the main living areas. Three additional bedrooms each offer comfort and privacy for family or guests. Designed with waterfront living in mind, the Solera's expansive outdoor living areas can be customized to include a pool, outdoor kitchen, and cabana, creating a seamless extension of the home's luxurious interior. This is a rare opportunity to build a fully customized coastal dream home, combining sophisticated design, flexible spaces, and exceptional indoor-outdoor living in a prime waterfront setting. -No fill dirt, clearing, additional foundation or lot preparation is included. It's an additional expense. Pool/outdoor living and outdoor kitchen are optional, and they're not included in the base price. The sale of the lot is a separate transaction.

3030 W 27th Court, Panama City

Listing courtesy of Think Real Estate.

$1,639,600

Introducing the Veranda, a beautifully AR Homes designed two-story residence offering over 3,500 square feet of thoughtfully crafted living space, ideal for a stunning waterfront homesite. This plan features 4 bedrooms, 3 full baths, a powder room, and a 2-car garage, combining modern design with everyday functionality. The main level showcases a bright, open-concept layout where the contemporary kitchen overlooks the great room and casual dining area, creating a seamless flow for both daily living and entertaining. Expansive glass doors lead to a spacious covered lanai, perfectly positioned to capture water views and enhance indoor-outdoor living. The first-floor owner's suite offers a private retreat with a spa-inspired bath, generous closet space, and a layout designed for comfort and privacy. A dedicated den provides flexibility for a home office or quiet workspace, while thoughtful storage and utility areas enhance everyday convenience. Upstairs, a large bonus room with optional wet bar and access to a covered balcony creates the perfect space for entertaining or relaxing while enjoying elevated waterfront views. Three additional bedrooms offer ample space for family and guests. Designed for coastal living, the Veranda's outdoor spaces can be customized with a pool, outdoor kitchen, and expanded entertaining areas, making it easy to enjoy year-round waterfront living. This is an exceptional opportunity to build a fully customized home that blends sophisticated design, flexible living spaces, and seamless indoor-outdoor living in a premier waterfront setting. -No fill dirt, clearing, additional foundation or lot preparation is included. It's an additional expense. Pool/outdoor living and outdoor kitchen are optional, and they're not included in the base price. The sale of the lot is a separate transaction.

4 Beds ⋅ 3 Baths ⋅ 788873 MLS

Introducing the Veranda, a beautifully AR Homes designed two-story residence offering over 3,500 square feet of thoughtfully crafted living space, ideal for a stunning waterfront homesite. This plan features 4 bedrooms, 3 full baths, a powder room, and a 2-car garage, combining modern design with everyday functionality. The main level showcases a bright, open-concept layout where the contemporary kitchen overlooks the great room and casual dining area, creating a seamless flow for both daily living and entertaining. Expansive glass doors lead to a spacious covered lanai, perfectly positioned to capture water views and enhance indoor-outdoor living. The first-floor owner's suite offers a private retreat with a spa-inspired bath, generous closet space, and a layout designed for comfort and privacy. A dedicated den provides flexibility for a home office or quiet workspace, while thoughtful storage and utility areas enhance everyday convenience. Upstairs, a large bonus room with optional wet bar and access to a covered balcony creates the perfect space for entertaining or relaxing while enjoying elevated waterfront views. Three additional bedrooms offer ample space for family and guests. Designed for coastal living, the Veranda's outdoor spaces can be customized with a pool, outdoor kitchen, and expanded entertaining areas, making it easy to enjoy year-round waterfront living. This is an exceptional opportunity to build a fully customized home that blends sophisticated design, flexible living spaces, and seamless indoor-outdoor living in a premier waterfront setting. -No fill dirt, clearing, additional foundation or lot preparation is included. It's an additional expense. Pool/outdoor living and outdoor kitchen are optional, and they're not included in the base price. The sale of the lot is a separate transaction.

3034 W 27th Court, Panama City

Listing courtesy of Think Real Estate.

$649,000

Indulge in refined coastal living in this stunning residence at Bay Point Reflections Condominium, offering breathtaking bay views and upscale updates throughout. Spanning 2,099 square feet, this beautifully designed 3-bedroom, 3-bathroom condominium features new flooring throughout and an open, light-filled layout ideal for both relaxing and entertaining. The spacious living area flows seamlessly onto an open balcony where you can unwind and take in serene water views and watch the boats go by, while an additional screened-in balcony provides the perfect space for year-round enjoyment. The well-appointed kitchen enjoys the stunning bay view and offers ample cabinetry and functionality, complementing the home's effortless flow. The primary suite serves as a private retreat, and each additional bedroom offers comfort and flexibility for guests. Located within the desirable Bay Point community, residents enjoy a peaceful waterfront setting with convenient access to the golf course, dining, shopping, and area attractions. A rare opportunity to own a beautifully updated bayfront residence combining space, views, and lifestyle.

3 Beds ⋅ 3 Baths ⋅ 788870 MLS

Indulge in refined coastal living in this stunning residence at Bay Point Reflections Condominium, offering breathtaking bay views and upscale updates throughout. Spanning 2,099 square feet, this beautifully designed 3-bedroom, 3-bathroom condominium features new flooring throughout and an open, light-filled layout ideal for both relaxing and entertaining. The spacious living area flows seamlessly onto an open balcony where you can unwind and take in serene water views and watch the boats go by, while an additional screened-in balcony provides the perfect space for year-round enjoyment. The well-appointed kitchen enjoys the stunning bay view and offers ample cabinetry and functionality, complementing the home's effortless flow. The primary suite serves as a private retreat, and each additional bedroom offers comfort and flexibility for guests. Located within the desirable Bay Point community, residents enjoy a peaceful waterfront setting with convenient access to the golf course, dining, shopping, and area attractions. A rare opportunity to own a beautifully updated bayfront residence combining space, views, and lifestyle.

4100 Marriott Drive Unit 412, Panama City

Listing courtesy of Sims Resort Realty, Inc.

$425,000

Investor Alert - Turnkey Airbnb with Immediate Cash Flow Exceptional opportunity in Panama City Beach--legal short-term rental with a 6.4% cap rate and projected income of $51,768. Sold fully furnished with future bookings in place. This 2-story condo in the gated Villas of St. Thomas Square offers a boat dock, a 2 block walk to the beach and water views overlooking St. Andrews Bay. Features include private balcony, modern kitchen with washer/dryer, smart thermostat, smart TVs, fresh paint, and updated fixtures. Community amenities: pool, tennis, clubhouse, sauna, BBQ. Low HOA + unincorporated Bay County = favorable STR taxes. Seller offering 3 months of complimentary management. Largest + best decor + best situated unit in complex! Walkable to beaches, dining, and entertainment

3 Beds ⋅ 3 Baths ⋅ 788796 MLS

Investor Alert - Turnkey Airbnb with Immediate Cash Flow Exceptional opportunity in Panama City Beach--legal short-term rental with a 6.4% cap rate and projected income of $51,768. Sold fully furnished with future bookings in place. This 2-story condo in the gated Villas of St. Thomas Square offers a boat dock, a 2 block walk to the beach and water views overlooking St. Andrews Bay. Features include private balcony, modern kitchen with washer/dryer, smart thermostat, smart TVs, fresh paint, and updated fixtures. Community amenities: pool, tennis, clubhouse, sauna, BBQ. Low HOA + unincorporated Bay County = favorable STR taxes. Seller offering 3 months of complimentary management. Largest + best decor + best situated unit in complex! Walkable to beaches, dining, and entertainment

8730 Thomas Drive Unit 409, Panama City

Listing courtesy of Engel & Voelkers 30A Beaches.

$335,000

Magnolia Bay--where waterfront living meets comfort, convenience, and lifestyle. This beautifully maintained 10th-floor condo offers 1 bedroom plus a versatile bonus room, 2 full bathrooms, and 1,248 square feet of thoughtfully designed living space. Owned by the original owners and lightly used as a vacation home, this residence has been exceptionally cared for and is truly move-in ready. The spacious primary bedroom layout allows for an expanded living area, while the bonus room provides the perfect space for a home office, guest room, or flex space--comfortably accommodating a queen-size bed. Enjoy stunning waterfront surroundings and the peace of mind that comes with living in a gated community known for its beautifully maintained grounds, charming paver streets, sidewalks, and playgrounds. Magnolia Bay offers resort-style amenities, including a fitness center, waterfront pool, grilling areas, private dock, sandy beach along the bay, kayak storage, and a community room complete with a pool table--ideal for relaxing or entertaining guests. This unit also includes an assigned covered parking space for added convenience. Ideally located just minutes from grocery stores, shopping, dining, the beaches, boat ramps, and everyday essentials, this condo combines low-maintenance living with an unbeatable coastal lifestyle. Whether you're looking for a primary residence, vacation getaway, or investment opportunity, this waterfront gem checks all the boxes.

1 Beds ⋅ 2 Baths ⋅ 788246 MLS

Magnolia Bay--where waterfront living meets comfort, convenience, and lifestyle. This beautifully maintained 10th-floor condo offers 1 bedroom plus a versatile bonus room, 2 full bathrooms, and 1,248 square feet of thoughtfully designed living space. Owned by the original owners and lightly used as a vacation home, this residence has been exceptionally cared for and is truly move-in ready. The spacious primary bedroom layout allows for an expanded living area, while the bonus room provides the perfect space for a home office, guest room, or flex space--comfortably accommodating a queen-size bed. Enjoy stunning waterfront surroundings and the peace of mind that comes with living in a gated community known for its beautifully maintained grounds, charming paver streets, sidewalks, and playgrounds. Magnolia Bay offers resort-style amenities, including a fitness center, waterfront pool, grilling areas, private dock, sandy beach along the bay, kayak storage, and a community room complete with a pool table--ideal for relaxing or entertaining guests. This unit also includes an assigned covered parking space for added convenience. Ideally located just minutes from grocery stores, shopping, dining, the beaches, boat ramps, and everyday essentials, this condo combines low-maintenance living with an unbeatable coastal lifestyle. Whether you're looking for a primary residence, vacation getaway, or investment opportunity, this waterfront gem checks all the boxes.

2400 Grandiflora Boulevard Unit 1002, Panama City

Listing courtesy of Keller Williams Success Realty.

$270,000

Seller will contribute $7,500 towards buyers closing costs with strong offer. $45,000 Price Improvement! Welcome to Sunbay Townhomes, a rare chance to own a versatile property with prime visibility and beautiful water views in Panama City. Perfectly positioned along a high-traffic corridor, this property offers endless potential whether you're looking for a primary residence, investment opportunity, or a unique live/work setup. Enjoy stunning sunrises over the water and the convenience of quick access to Tyndall Air Force Base, shopping, dining, and downtown Panama City. Inside, the home features a functional layout ready for your personal touch. Large windows invite in natural light and showcase the peaceful surroundings, while the outdoor space offers plenty of room to relax, take in the coastal breeze while you walk on the beach. Whether you're an investor, business owner, or homeowner looking for a property with character and potential, this one checks all the boxes. Don't miss your chance to own a piece of the coast with high visibility and endless possibilities, book your private showing today. Sorry No Short Term Rentals.

3 Beds ⋅ 3 Baths ⋅ 787768 MLS

Seller will contribute $7,500 towards buyers closing costs with strong offer. $45,000 Price Improvement! Welcome to Sunbay Townhomes, a rare chance to own a versatile property with prime visibility and beautiful water views in Panama City. Perfectly positioned along a high-traffic corridor, this property offers endless potential whether you're looking for a primary residence, investment opportunity, or a unique live/work setup. Enjoy stunning sunrises over the water and the convenience of quick access to Tyndall Air Force Base, shopping, dining, and downtown Panama City. Inside, the home features a functional layout ready for your personal touch. Large windows invite in natural light and showcase the peaceful surroundings, while the outdoor space offers plenty of room to relax, take in the coastal breeze while you walk on the beach. Whether you're an investor, business owner, or homeowner looking for a property with character and potential, this one checks all the boxes. Don't miss your chance to own a piece of the coast with high visibility and endless possibilities, book your private showing today. Sorry No Short Term Rentals.

6089 E Highway 98, Panama City

Listing courtesy of ERA Neubauer Real Estate, Inc.

$620,000

Step onto your future home sight in the most centrally located area in Bay Count; Kings Point! This rare opportunity provides you with almost half an acre to build your waterfront oasis and look at the most incredible sunset views from your back yard! With direct gulf access, you are just minutes from Shell island and the Pass Via boat!

787718 MLS

Step onto your future home sight in the most centrally located area in Bay Count; Kings Point! This rare opportunity provides you with almost half an acre to build your waterfront oasis and look at the most incredible sunset views from your back yard! With direct gulf access, you are just minutes from Shell island and the Pass Via boat!

3030 W 27th Court, Panama City

Listing courtesy of Think Real Estate.

$225,000

Seller offers $5,000 in FLEX $$$! WATERFRONT LIVING IN ST. ANDREWS | BAY CLUB CONDO. Welcome to Bay Club at St. Andrews, where life moves a little slower and the views never get old. This 2-bedroom, 2-bath waterfront condo offers about 860 square feet of easy, low-maintenance living right along beautiful St. Andrews Bay. Step inside to a comfortable, open living and dining space that feels bright and inviting, perfect for unwinding after a long day or hosting friends and family. Whether you're enjoying your morning coffee or relaxing in the evening, you'll love being just steps from the water. Bay Club is known for its peaceful setting, shaded by mature oak trees and surrounded by coastal charm. Residents enjoy a bayfront community with a pool and outdoor areas ideal for soaking up the Florida sunshine, fishing, or simply taking in those incredible sunset views. Located in the heart of St. Andrews, you're only minutes from downtown Panama City, local restaurants, shops, and waterfront parks. It's a great spot whether you're looking for a full-time home or a weekend getaway. If you've been searching for an affordable waterfront condo in Panama City with charm, location, and lifestyle, this is one you don't want to miss. Schedule your showing today!

2 Beds ⋅ 2 Baths ⋅ 787549 MLS

Seller offers $5,000 in FLEX $$$! WATERFRONT LIVING IN ST. ANDREWS | BAY CLUB CONDO. Welcome to Bay Club at St. Andrews, where life moves a little slower and the views never get old. This 2-bedroom, 2-bath waterfront condo offers about 860 square feet of easy, low-maintenance living right along beautiful St. Andrews Bay. Step inside to a comfortable, open living and dining space that feels bright and inviting, perfect for unwinding after a long day or hosting friends and family. Whether you're enjoying your morning coffee or relaxing in the evening, you'll love being just steps from the water. Bay Club is known for its peaceful setting, shaded by mature oak trees and surrounded by coastal charm. Residents enjoy a bayfront community with a pool and outdoor areas ideal for soaking up the Florida sunshine, fishing, or simply taking in those incredible sunset views. Located in the heart of St. Andrews, you're only minutes from downtown Panama City, local restaurants, shops, and waterfront parks. It's a great spot whether you're looking for a full-time home or a weekend getaway. If you've been searching for an affordable waterfront condo in Panama City with charm, location, and lifestyle, this is one you don't want to miss. Schedule your showing today!

316 Cherry Street Unit 33, Panama City

Listing courtesy of Top Producers Real Estate Group.

$385,000

Nobody is above you in this handsome 2nd Story condo with a FANTASTIC view of the yachts docked at the Point South Marina in Bay Point. Unit C226 (in Building 5 at Harbour Villas) will take your breath away, and the good news is that it comes furnished. Enjoy waterfront sunsets without leaving your condo! You always have a bird's-eye view of the many gorgeous yachts that are docked outside your building! You will enjoy the weigh-ins at the popular Billfish tournaments and other sponsored functions from your 2BR-2 BATH recently renovated unit! Bay Point is such a popular place because of the wonderful security, the golf course, Neon's Bar 72, and the beautiful surroundings in Bay Point- If you would like to be proud of your investment or permanent home, this one is tastefully done--magazine worthy- If you're a boater or golfer, it is a no-brainer! - Move right in!

2 Beds ⋅ 2 Baths ⋅ 786853 MLS

Nobody is above you in this handsome 2nd Story condo with a FANTASTIC view of the yachts docked at the Point South Marina in Bay Point. Unit C226 (in Building 5 at Harbour Villas) will take your breath away, and the good news is that it comes furnished. Enjoy waterfront sunsets without leaving your condo! You always have a bird's-eye view of the many gorgeous yachts that are docked outside your building! You will enjoy the weigh-ins at the popular Billfish tournaments and other sponsored functions from your 2BR-2 BATH recently renovated unit! Bay Point is such a popular place because of the wonderful security, the golf course, Neon's Bar 72, and the beautiful surroundings in Bay Point- If you would like to be proud of your investment or permanent home, this one is tastefully done--magazine worthy- If you're a boater or golfer, it is a no-brainer! - Move right in!

4726 Bay Point Unit C226, Panama City

Listing courtesy of ERA Neubauer Real Estate Inc.

$8,475,000

Perched on 380 feet of pristine West Bay waterfront along the Northwest Florida Gulf Coast, Villa Chimera is the most extraordinary luxury estate in Panama City Beach. Spanning 9,473 sq. ft. across three expansive lots, this 5BR/6BA/4HB masterpiece was authentically modeled after an Italian Venetian Palazzo -- designed by architect Philip Spann from hand-sketched owner drawings inspired by Renaissance master Andrea Palladio. Every finish was sourced from Italy or crafted by world-renowned artisans: a hand-carved Italian marble fountain, cushion-cut marble walls, Venetian silk upholstery, a Rome-crafted stone dining table, and a Renaissance fresco ceiling hand-painted by artist Jody Matokovich. This is not simply a Gulf Coast luxury home -- it is a one-of-a-kind legacy estate. The soaring foyer commands immediate attention with its grand Schonbek crystal chandelier, custom compass rose marble floor inlay, and solid stone staircase with marble balusters. The great room overlooking West Bay features a marble fireplace, limestone accents, and walls upholstered in Bevilacqua silk -- made in Venice and renowned worldwide. A media room with a theater-size projection screen and theatrical lighting flows seamlessly from the living space. The gourmet kitchen features Wolf and Sub-Zero appliances, a breakfast bar, separate bar area, and a fully equipped butler's pantry for effortless large-scale entertaining. All cabinetry was custom-designed by Design Galleria of Atlanta. The dining room centers around a custom stone table crafted in Rome outside the Vatican walls, beneath Venetian watermark plasterwork evoking centuries of Palazzo history. The second-level master suite is a private sanctuary with bay views, a columned balcony, and a hand-painted Renaissance fresco vault ceiling. Separate his-and-hers bathrooms each feature heated floors and double showers with body jets. A detached guest house -- connected by covered walkway -- includes a full kitchen, sitting area, private veranda, and full bath. Smart home living is delivered via a full Crestron system controlling all lighting, media, and security. Additional highlights: Kohler 100KW whole-house generator, all-copper plumbing, 4-car garage with wheelchair lift, whole-house central vacuum, monitored security cameras, LED lighting throughout, and all windows and exterior doors replaced post-Hurricane Michael. A rare and irreplaceable Florida Gulf Coast waterfront estate -- schedule your private showing today.

5 Beds ⋅ 10 Baths ⋅ 786845 MLS

Perched on 380 feet of pristine West Bay waterfront along the Northwest Florida Gulf Coast, Villa Chimera is the most extraordinary luxury estate in Panama City Beach. Spanning 9,473 sq. ft. across three expansive lots, this 5BR/6BA/4HB masterpiece was authentically modeled after an Italian Venetian Palazzo -- designed by architect Philip Spann from hand-sketched owner drawings inspired by Renaissance master Andrea Palladio. Every finish was sourced from Italy or crafted by world-renowned artisans: a hand-carved Italian marble fountain, cushion-cut marble walls, Venetian silk upholstery, a Rome-crafted stone dining table, and a Renaissance fresco ceiling hand-painted by artist Jody Matokovich. This is not simply a Gulf Coast luxury home -- it is a one-of-a-kind legacy estate. The soaring foyer commands immediate attention with its grand Schonbek crystal chandelier, custom compass rose marble floor inlay, and solid stone staircase with marble balusters. The great room overlooking West Bay features a marble fireplace, limestone accents, and walls upholstered in Bevilacqua silk -- made in Venice and renowned worldwide. A media room with a theater-size projection screen and theatrical lighting flows seamlessly from the living space. The gourmet kitchen features Wolf and Sub-Zero appliances, a breakfast bar, separate bar area, and a fully equipped butler's pantry for effortless large-scale entertaining. All cabinetry was custom-designed by Design Galleria of Atlanta. The dining room centers around a custom stone table crafted in Rome outside the Vatican walls, beneath Venetian watermark plasterwork evoking centuries of Palazzo history. The second-level master suite is a private sanctuary with bay views, a columned balcony, and a hand-painted Renaissance fresco vault ceiling. Separate his-and-hers bathrooms each feature heated floors and double showers with body jets. A detached guest house -- connected by covered walkway -- includes a full kitchen, sitting area, private veranda, and full bath. Smart home living is delivered via a full Crestron system controlling all lighting, media, and security. Additional highlights: Kohler 100KW whole-house generator, all-copper plumbing, 4-car garage with wheelchair lift, whole-house central vacuum, monitored security cameras, LED lighting throughout, and all windows and exterior doors replaced post-Hurricane Michael. A rare and irreplaceable Florida Gulf Coast waterfront estate -- schedule your private showing today.

3730 Preserve Bay Boulevard, Panama City

Listing courtesy of Christies International Real Estate Emerald Coast.

$439,999

~~ Seller willing to pay 1 yr HOA fees!~~This low rise 2 bdrm condo is Bay front you have an amazing view of the resort pool but, far enough away from the pool noise. If relaxing is on your agenda there is a full service spa on the first floor. Golfing, fishing, sunning, and or biking all great in this area. The complex allows short term rentals and many make this their full time residence.

2 Beds ⋅ 2 Baths ⋅ 786622 MLS

~~ Seller willing to pay 1 yr HOA fees!~~This low rise 2 bdrm condo is Bay front you have an amazing view of the resort pool but, far enough away from the pool noise. If relaxing is on your agenda there is a full service spa on the first floor. Golfing, fishing, sunning, and or biking all great in this area. The complex allows short term rentals and many make this their full time residence.

4100 Marriott Drive Unit 310, Panama City

Listing courtesy of Berkshire Hathaway HomeServices Beach Properties of Florida.

$695,000

Seller offering Buyer incentives. The East Parke waterfront subdivision is nestled on two acres of pristine shoreline on Northwest Florida's Emerald Coast, and offers six platted waterfront home sites with majestic views of Doty's Cove, and East Bay. The 446 feet of deep-water shoreline is accessible to Port St. Joe, Apalachicola, and the Gulf of Mexico to the east, and Panama City, Panama City Beach, Destin, and the Gulf of Mexico to the west, all via the Intracoastal Waterway. Lot 4 includes a 225 ft. dock. The common area infrastructure is in place to include brick paved driveways and parking, irrigated grounds, underground stubbed utilities, and decorative streetlights, the lots are ready for development.

786309 MLS

Seller offering Buyer incentives. The East Parke waterfront subdivision is nestled on two acres of pristine shoreline on Northwest Florida's Emerald Coast, and offers six platted waterfront home sites with majestic views of Doty's Cove, and East Bay. The 446 feet of deep-water shoreline is accessible to Port St. Joe, Apalachicola, and the Gulf of Mexico to the east, and Panama City, Panama City Beach, Destin, and the Gulf of Mexico to the west, all via the Intracoastal Waterway. Lot 4 includes a 225 ft. dock. The common area infrastructure is in place to include brick paved driveways and parking, irrigated grounds, underground stubbed utilities, and decorative streetlights, the lots are ready for development.

1442 W Park Drive, Panama City

Listing courtesy of Counts Real Estate Group.

$699,000

Experience waterfront living at its finest in this stunning 3-bedroom, 3-bathroom condo in Harbour Village at Historic St. Andrews. Located along the Bay, this exceptional property offers breathtaking views, creating the perfect backdrop for both relaxing and entertaining. The spacious layout provides an open, airy feel with abundant natural light and private waterfront scenery from the main living areas. Boating enthusiasts will appreciate the12,000lbs boat lift that is included, providing convenient access to the gulf, intercoastal or Shell Island. Also, comes with a deeded storage closet for added storage and organization. Harbour Village offers an impressive collection of resort-style amenities, including a heated waterfront pool overlooking the Bay, a fitness center, and a grand clubhouse perfect for gatherings and community events. Residents also enjoy a private community park with green space where dogs are welcome, a covered parking garage, and inviting outdoor spaces to include a waterfront fireplace with comfortable seating and a grilling gazebo with direct access to Oaks by the Bay Park. Located in the heart of Historic St. Andrews, this rare waterfront condo combines luxury, boating, and a vibrant coastal lifestyle just minutes from amazing local restaurants, shopping, and local attractions.

3 Beds ⋅ 3 Baths ⋅ 786054 MLS

Experience waterfront living at its finest in this stunning 3-bedroom, 3-bathroom condo in Harbour Village at Historic St. Andrews. Located along the Bay, this exceptional property offers breathtaking views, creating the perfect backdrop for both relaxing and entertaining. The spacious layout provides an open, airy feel with abundant natural light and private waterfront scenery from the main living areas. Boating enthusiasts will appreciate the12,000lbs boat lift that is included, providing convenient access to the gulf, intercoastal or Shell Island. Also, comes with a deeded storage closet for added storage and organization. Harbour Village offers an impressive collection of resort-style amenities, including a heated waterfront pool overlooking the Bay, a fitness center, and a grand clubhouse perfect for gatherings and community events. Residents also enjoy a private community park with green space where dogs are welcome, a covered parking garage, and inviting outdoor spaces to include a waterfront fireplace with comfortable seating and a grilling gazebo with direct access to Oaks by the Bay Park. Located in the heart of Historic St. Andrews, this rare waterfront condo combines luxury, boating, and a vibrant coastal lifestyle just minutes from amazing local restaurants, shopping, and local attractions.

3001 W 10th Street Unit 711, Panama City

Listing courtesy of Counts Real Estate Group Inc.

$170,000

SHORT TERM RENTALS ALLOWED!! Waterfront living at an amazing price. This 2nd floor condo offers breathtaking views of the bay, with direct access to the gulf. Spend your days boating or relaxing in the pool, treat yourself to delicious meals at the new restaurant coming soon and enjoy the serenity of the water view and the beauty of the sunset every evening from your balcony. This unit has a new GE convection oven with built in air fryer, new AC unit and updated flooring. The HOA fees include water, sewer, garbage, pest control, pool and cable. A brand new marina was recently constructed with boat slips available for rent. Offering convenience right at your doorstep. This location offers easy access to Panama City Beach and only 30 minutes to the ECP airport. Don't miss out on this incredible opportunity to own a piece of paradise! Sizes are approximate, buyer to verify all info.

1 Beds ⋅ 1 Baths ⋅ 784721 MLS

SHORT TERM RENTALS ALLOWED!! Waterfront living at an amazing price. This 2nd floor condo offers breathtaking views of the bay, with direct access to the gulf. Spend your days boating or relaxing in the pool, treat yourself to delicious meals at the new restaurant coming soon and enjoy the serenity of the water view and the beauty of the sunset every evening from your balcony. This unit has a new GE convection oven with built in air fryer, new AC unit and updated flooring. The HOA fees include water, sewer, garbage, pest control, pool and cable. A brand new marina was recently constructed with boat slips available for rent. Offering convenience right at your doorstep. This location offers easy access to Panama City Beach and only 30 minutes to the ECP airport. Don't miss out on this incredible opportunity to own a piece of paradise! Sizes are approximate, buyer to verify all info.

5505 Sun Harbor Road Unit 217, Panama City

Listing courtesy of World Impact Real Estate.

$399,000

A rare double-unit waterfront residence at The Cove, now offered with a $96K price reduction. This 2,701 sq ft bayfront home combines Units 604/605 into an expansive, mid-century-inspired layout framed by sweeping views of St. Andrews Bay and Shell Island. Full-height sliders span the entire length of the residence, opening to two generous balconies and creating a seamless connection to the water. Automated hurricane shutters and remote sunshades add effortless comfort and protection. Refined updates include refreshed parquet flooring, new designer lighting, and freshly painted interiors. The chef's kitchen features a Wolf cooktop, Maytag oven, and built-in JennAir microwave. Three private bedroom suites each offer their own full bath, with the owner's suite showcasing balcony access, panoramic bay views, and dual custom walk-in closets. A bay-facing office with built-ins provides an elevated workspace. Additional features include two recently replaced HVAC systems, two private storage units, and two dedicated parking spaces steps from the elevator. The Cove offers a waterfront pool, clubhouse, and dock, all minutes from Historic Downtown Panama City--now evolving into a growing arts and dining hub with galleries, studios, and chef-driven restaurants. A standout opportunity to own one of the largest and most distinctive luxury waterfront residences in the area.

3 Beds ⋅ 3 Baths ⋅ 784711 MLS

A rare double-unit waterfront residence at The Cove, now offered with a $96K price reduction. This 2,701 sq ft bayfront home combines Units 604/605 into an expansive, mid-century-inspired layout framed by sweeping views of St. Andrews Bay and Shell Island. Full-height sliders span the entire length of the residence, opening to two generous balconies and creating a seamless connection to the water. Automated hurricane shutters and remote sunshades add effortless comfort and protection. Refined updates include refreshed parquet flooring, new designer lighting, and freshly painted interiors. The chef's kitchen features a Wolf cooktop, Maytag oven, and built-in JennAir microwave. Three private bedroom suites each offer their own full bath, with the owner's suite showcasing balcony access, panoramic bay views, and dual custom walk-in closets. A bay-facing office with built-ins provides an elevated workspace. Additional features include two recently replaced HVAC systems, two private storage units, and two dedicated parking spaces steps from the elevator. The Cove offers a waterfront pool, clubhouse, and dock, all minutes from Historic Downtown Panama City--now evolving into a growing arts and dining hub with galleries, studios, and chef-driven restaurants. A standout opportunity to own one of the largest and most distinctive luxury waterfront residences in the area.

100 Cherry Street Unit 604, Panama City

Listing courtesy of Corcoran Reverie.

$119,500

Build Your Dream Home in an Exclusive Gated Community Discover the perfect canvas for your next custom home in this exclusive, gated luxury community. This beautiful lot is surrounded by stunning grand estates, offering both elegance and privacy. Residents enjoy access to a private boat ramp, making it ideal for boating and waterfront living, along with a private HOA-maintained pool for relaxation and leisure. Nature lovers will appreciate the peaceful setting, where baby deer are often seen roaming freely, adding to the serene and picturesque atmosphere. This lot is waiting for its next masterpiece, an exceptional opportunity to create a home in a community that blends luxury, nature, and lifestyle.

784600 MLS

Build Your Dream Home in an Exclusive Gated Community Discover the perfect canvas for your next custom home in this exclusive, gated luxury community. This beautiful lot is surrounded by stunning grand estates, offering both elegance and privacy. Residents enjoy access to a private boat ramp, making it ideal for boating and waterfront living, along with a private HOA-maintained pool for relaxation and leisure. Nature lovers will appreciate the peaceful setting, where baby deer are often seen roaming freely, adding to the serene and picturesque atmosphere. This lot is waiting for its next masterpiece, an exceptional opportunity to create a home in a community that blends luxury, nature, and lifestyle.

729 Vista Del Sol Lane, Panama City

Listing courtesy of Keller Williams Success Realty.

$885,000

Spectacular Views from this 3 Bed/3Bath Bayfront unit with 2 boat slips (1 with 16,000lb lift) and 2 climate controlled storage units, included in the sale! A one of a kind gated community in the heart of Historic St. Andrews. Condo boasts 11ft ceilings and breathtaking views of St. Andrews Bay, Shell Island, and the Intercoastal Waterway from the master suite, living area, dining room, and kitchen. The open layout features double front door, a gourmet kitchen with sleek stainless steel appliances, granite countertops, a spacious breakfast bar, and ample cabinetry, luxury vinyl plank (LVP) flooring, sliding glass doors from Living room & Master to the spacious Balcony. The Master Bathroom features a double vanity, a soaking garden tub, a tiled walk-in shower, and a generous walk-in closet. The second bedroom has a private bath. Elegant crown molding adorns the entire unit and modern lighting fixtures enhance the entire unit. Harbour Village offers an array of premium amenities, including a heated waterfront pool with bay views, a state-of-the-art fitness center, a grand clubhouse, a private community park (dogs allowed) with a garden, a covered parking garage, an outdoor fireplace with a cozy seating area, a grilling gazebo with access to Oaks by the Bay Park. Just steps away, Historic St. Andrews beckons with its active marina (currently being upgraded), restaurants, scenic waterfront parks, and unique boutique shops. Seize this rare opportunity to own a slice of coastal elegance and modern sophistication in one of Bay County's most coveted communities. Schedule your private tour today! All info taken from appraiser and sizes approx., Buyer to verify all info.

3 Beds ⋅ 3 Baths ⋅ 784000 MLS

Spectacular Views from this 3 Bed/3Bath Bayfront unit with 2 boat slips (1 with 16,000lb lift) and 2 climate controlled storage units, included in the sale! A one of a kind gated community in the heart of Historic St. Andrews. Condo boasts 11ft ceilings and breathtaking views of St. Andrews Bay, Shell Island, and the Intercoastal Waterway from the master suite, living area, dining room, and kitchen. The open layout features double front door, a gourmet kitchen with sleek stainless steel appliances, granite countertops, a spacious breakfast bar, and ample cabinetry, luxury vinyl plank (LVP) flooring, sliding glass doors from Living room & Master to the spacious Balcony. The Master Bathroom features a double vanity, a soaking garden tub, a tiled walk-in shower, and a generous walk-in closet. The second bedroom has a private bath. Elegant crown molding adorns the entire unit and modern lighting fixtures enhance the entire unit. Harbour Village offers an array of premium amenities, including a heated waterfront pool with bay views, a state-of-the-art fitness center, a grand clubhouse, a private community park (dogs allowed) with a garden, a covered parking garage, an outdoor fireplace with a cozy seating area, a grilling gazebo with access to Oaks by the Bay Park. Just steps away, Historic St. Andrews beckons with its active marina (currently being upgraded), restaurants, scenic waterfront parks, and unique boutique shops. Seize this rare opportunity to own a slice of coastal elegance and modern sophistication in one of Bay County's most coveted communities. Schedule your private tour today! All info taken from appraiser and sizes approx., Buyer to verify all info.

3001 W 10th Street Unit 203, Panama City

Listing courtesy of Counts Real Estate Group.

$1,250,000

Waterfront elegance meets modern luxury in this stunning Intracoastal home located within a private gated community. Enjoy sweeping water views from the primary bedroom and multiple balconies designed for seamless indoor-outdoor living. This fully remodeled residence features four bedrooms, each with its own private full bathroom, offering both comfort and privacy for family and guests. The gourmet kitchen is a true showpiece, boasting quartz countertops, a copper farmhouse sink, induction cooktop with downdraft, drawer microwave, and double wall ovens with air-fryer functionality. High end lighting over the large island. Plenty of room for seating or entertaining. The family room is beautifully appointed with surround sound, custom built-ins, crown molding, glass cabinetry, coffee bar. The Dining Room has spectacular view of the water and sunsets. The primary suite is a luxurious retreat featuring a spa-like en suite with a clawfoot soaking tub, double vanities, and an expansive custom walk-in closet. Low HOA. This home features its own deeded dock. This home has been thoughtfully renovated throughout and delivers refined coastal living with exceptional attention to detail.

4 Beds ⋅ 5 Baths ⋅ 782809 MLS

Waterfront elegance meets modern luxury in this stunning Intracoastal home located within a private gated community. Enjoy sweeping water views from the primary bedroom and multiple balconies designed for seamless indoor-outdoor living. This fully remodeled residence features four bedrooms, each with its own private full bathroom, offering both comfort and privacy for family and guests. The gourmet kitchen is a true showpiece, boasting quartz countertops, a copper farmhouse sink, induction cooktop with downdraft, drawer microwave, and double wall ovens with air-fryer functionality. High end lighting over the large island. Plenty of room for seating or entertaining. The family room is beautifully appointed with surround sound, custom built-ins, crown molding, glass cabinetry, coffee bar. The Dining Room has spectacular view of the water and sunsets. The primary suite is a luxurious retreat featuring a spa-like en suite with a clawfoot soaking tub, double vanities, and an expansive custom walk-in closet. Low HOA. This home features its own deeded dock. This home has been thoughtfully renovated throughout and delivers refined coastal living with exceptional attention to detail.

6724 Yacht Club Drive, Panama City

Listing courtesy of Keller Williams Realty Emerald Coast.

$1,550,000

Welcome to Phase Two of Laird Point, a rare 90± acre waterfront development opportunity in Panama City, FL. This gated community includes 38 platted lots with paved roads and city water and sewer already in place, headlined by substantial undeveloped acreage with Conceptual Site Plans illustrating future development potential of up to 148 total lots, including 30 waterfront lots. The roads, dedicated common areas and amenities also convey with the sale, giving the new developer a blank canvas to add a pool, clubhouse, pier, walking trails and more. There is currently an active HOA for Phase 1 and the HOA for Phase 2 is inactive. Laird Point offers glowing waterfront sunsets, mature pine trees, and an abundance of natural beauty making a serene and private sanctuary. All lot lines shown in pictures are approximate and for demonstration purposes only. All future development illustrations in the pictures are for example purposes only and are not guaranteed to be allowable. Buyers to confirm all information, especially any allowable docks in any location in Phase 2. Don't miss this once in a lifetime opportunity and come see the property today!

783387 MLS

Welcome to Phase Two of Laird Point, a rare 90± acre waterfront development opportunity in Panama City, FL. This gated community includes 38 platted lots with paved roads and city water and sewer already in place, headlined by substantial undeveloped acreage with Conceptual Site Plans illustrating future development potential of up to 148 total lots, including 30 waterfront lots. The roads, dedicated common areas and amenities also convey with the sale, giving the new developer a blank canvas to add a pool, clubhouse, pier, walking trails and more. There is currently an active HOA for Phase 1 and the HOA for Phase 2 is inactive. Laird Point offers glowing waterfront sunsets, mature pine trees, and an abundance of natural beauty making a serene and private sanctuary. All lot lines shown in pictures are approximate and for demonstration purposes only. All future development illustrations in the pictures are for example purposes only and are not guaranteed to be allowable. Buyers to confirm all information, especially any allowable docks in any location in Phase 2. Don't miss this once in a lifetime opportunity and come see the property today!

0 - TBD Laird Point Phase 2, Panama City

Listing courtesy of CENTURY 21 Commander Realty.

$299,999

2-bedroom, 2-bath residence featuring new flooring and brand-new appliances throughout. This property offers access to exceptional community amenities, including a large swimming pool, covered pavilion, and a clubhouse complete with kitchen and restrooms—ideal for gatherings and events. Enjoy waterfront living with a fishing and boat mooring dock equipped with electric and water service, plus a convenient fish cleaning station. Boat tie-up is permitted for up to 48 hours. A fantastic opportunity for comfortable living with resort-style amenities.

2 Beds ⋅ 2 Baths ⋅ 783342 MLS

2-bedroom, 2-bath residence featuring new flooring and brand-new appliances throughout. This property offers access to exceptional community amenities, including a large swimming pool, covered pavilion, and a clubhouse complete with kitchen and restrooms—ideal for gatherings and events. Enjoy waterfront living with a fishing and boat mooring dock equipped with electric and water service, plus a convenient fish cleaning station. Boat tie-up is permitted for up to 48 hours. A fantastic opportunity for comfortable living with resort-style amenities.

100 Cherry Street Unit 406, Panama City

Listing courtesy of Realty One Group Emerald Coast.

$667,000

Priced to Sell, 31K Price Reduction. Waterfront, Beautiful Dream Townhouse, 3bedroom 2.5 Bath, 9 Foot Ceilings. In Exclusive Pelican Bay. Stunning Waterfront View of Saint Andrews Bay and Harbor where you can enjoy boating, fishing or Kayaking. Ceramic Tile on the First Floor with Hardwood Stair Case and Hardwood Floors on Second Story. Ample Closet Space Throughout, Spacious living area where can enjoy the Beautiful View of the Bay, Walk in Closet, en suite Bathroom with Jacuzzi Type Tub . Enjoy your coffee in the morning watching the Sunrise or Cocktail in the Evening from your Screened Downstairs Porch or Upstairs Balcony overlooking Saint Andrews Bay and Harbor. Entire Complex Recently Painted. Rentals must be 1 year. Loaded with Community Amenities including Nature Walk, Swimming Pool, Hot Tub, 2 Docks, Clubhouse with Kitchen. Shopping, St Andrews Park, Nearby. Don't Miss This Opportunity. BRING ALL OFFERS.

3 Beds ⋅ 3 Baths ⋅ 783303 MLS

Priced to Sell, 31K Price Reduction. Waterfront, Beautiful Dream Townhouse, 3bedroom 2.5 Bath, 9 Foot Ceilings. In Exclusive Pelican Bay. Stunning Waterfront View of Saint Andrews Bay and Harbor where you can enjoy boating, fishing or Kayaking. Ceramic Tile on the First Floor with Hardwood Stair Case and Hardwood Floors on Second Story. Ample Closet Space Throughout, Spacious living area where can enjoy the Beautiful View of the Bay, Walk in Closet, en suite Bathroom with Jacuzzi Type Tub . Enjoy your coffee in the morning watching the Sunrise or Cocktail in the Evening from your Screened Downstairs Porch or Upstairs Balcony overlooking Saint Andrews Bay and Harbor. Entire Complex Recently Painted. Rentals must be 1 year. Loaded with Community Amenities including Nature Walk, Swimming Pool, Hot Tub, 2 Docks, Clubhouse with Kitchen. Shopping, St Andrews Park, Nearby. Don't Miss This Opportunity. BRING ALL OFFERS.

2330 Pelican Bay Court, Panama City

Listing courtesy of Alan Ballas Realty.

$288,000

***Just listed as SHORT SALE & offers must be approved by the Bank. ***Fully Renovated Waterfront Condo - Harbor Villas at Bay Point Wake up to sweeping, unobstructed views of Point South Marina from this beautifully updated condo in the highly desirable Harbor Villas community. Every detail has been thoughtfully curated to deliver comfort, style, and the ultimate coastal lifestyle. Why You'll Love This Home: ***Prime Location - Enjoy all the perks of beach living without the noise, crowds, or traffic ***Peace of Mind - A safe, quiet, and well-maintained community with friendly, welcoming neighbors. Fully Gated entrance with security personnel, ***Lifestyle Living - Take in vibrant sunsets over the marina year-round from the comfort of your own home ***Move-In Ready - Fully renovated interior featuring modern finishes, quality craftsmanship, and thoughtful upgrades throughout Harbor Villas isn't just a place to live -- it's a community. With its unbeatable location, warm atmosphere, and postcard-worthy water views, this condo offers the perfect blend of tranquility and convenience. Don't miss your chance to own a slice of coastal paradise. Bay Point Golf Club also at Bay Point! The only Nicklaus Design course in NW Florida, stretching 7100 yards, is sure to test every club in your bag. The signature island hole # 5 is just one of many that make this course stand out from the competition. A ''must play'' in PCB. Bar 72 offers lunch daily, breakfast Saturday and Sunday, a local favorite. 2016, 2021,2022 US Open Local Qualifying Site. **NEW Pool available for usage with boat slip rental **Yacht Club membership available **Jack Nicholas Golf course available **Deep Sea Fishing ventures available and the 2026 Billfish tournament will have prize money exceeding $1 million dollars! This location is great for residential or increasing your investment portfolio. Short & Long Term Rentals are allowed. Book your appointment today. Don't delay as this was just listed as a SHORT SALE.

1 Beds ⋅ 1 Baths ⋅ 783086 MLS

***Just listed as SHORT SALE & offers must be approved by the Bank. ***Fully Renovated Waterfront Condo - Harbor Villas at Bay Point Wake up to sweeping, unobstructed views of Point South Marina from this beautifully updated condo in the highly desirable Harbor Villas community. Every detail has been thoughtfully curated to deliver comfort, style, and the ultimate coastal lifestyle. Why You'll Love This Home: ***Prime Location - Enjoy all the perks of beach living without the noise, crowds, or traffic ***Peace of Mind - A safe, quiet, and well-maintained community with friendly, welcoming neighbors. Fully Gated entrance with security personnel, ***Lifestyle Living - Take in vibrant sunsets over the marina year-round from the comfort of your own home ***Move-In Ready - Fully renovated interior featuring modern finishes, quality craftsmanship, and thoughtful upgrades throughout Harbor Villas isn't just a place to live -- it's a community. With its unbeatable location, warm atmosphere, and postcard-worthy water views, this condo offers the perfect blend of tranquility and convenience. Don't miss your chance to own a slice of coastal paradise. Bay Point Golf Club also at Bay Point! The only Nicklaus Design course in NW Florida, stretching 7100 yards, is sure to test every club in your bag. The signature island hole # 5 is just one of many that make this course stand out from the competition. A ''must play'' in PCB. Bar 72 offers lunch daily, breakfast Saturday and Sunday, a local favorite. 2016, 2021,2022 US Open Local Qualifying Site. **NEW Pool available for usage with boat slip rental **Yacht Club membership available **Jack Nicholas Golf course available **Deep Sea Fishing ventures available and the 2026 Billfish tournament will have prize money exceeding $1 million dollars! This location is great for residential or increasing your investment portfolio. Short & Long Term Rentals are allowed. Book your appointment today. Don't delay as this was just listed as a SHORT SALE.

4726 Bay Point Road Unit A208, Panama City

Listing courtesy of ERA Neubauer Real Estate Inc.

$299,900

This is an opportunity to own a piece of paradise. This lot has frontage on North Bay. It is just a few feet from Highway 77 and a short drive to downtown Panama City, and Lynn Haven.

783036 MLS

This is an opportunity to own a piece of paradise. This lot has frontage on North Bay. It is just a few feet from Highway 77 and a short drive to downtown Panama City, and Lynn Haven.

Lot 2 Cashel Mara Drive Unit Lot 2, Panama City

Listing courtesy of Realty Mark Associates.

$162,500

Fully Renovated Waterfront Condo ready to be added to your STR Portfolio.With a boat slip for 1 year with a lift. - Sun Harbor Move-in ready 2nd-floor condo, the only unit fully modernized in Sun Harbor. Features include luxury vinyl flooring, custom solid-wood kitchen with Quartz countertops & new stainless steel appliances, updated bath with herringbone tile, and private deck overlooking the marina. Enjoy sunsets and direct access to Sun Harbor Marina with jet ski & pontoon rentals, excursions, and private cruises. Ready for your fun in the sun, 2nd home and or another STR rental and this condo unit comes with a boat slip and lift for 1 year included.

1 Beds ⋅ 1 Baths ⋅ 781666 MLS

Fully Renovated Waterfront Condo ready to be added to your STR Portfolio.With a boat slip for 1 year with a lift. - Sun Harbor Move-in ready 2nd-floor condo, the only unit fully modernized in Sun Harbor. Features include luxury vinyl flooring, custom solid-wood kitchen with Quartz countertops & new stainless steel appliances, updated bath with herringbone tile, and private deck overlooking the marina. Enjoy sunsets and direct access to Sun Harbor Marina with jet ski & pontoon rentals, excursions, and private cruises. Ready for your fun in the sun, 2nd home and or another STR rental and this condo unit comes with a boat slip and lift for 1 year included.

5505 Sun Harbor Road Unit 235, Panama City

Listing courtesy of Beycome of Florida LLC.